John wants to buy a car and is trying to decide whether he wants to accept a pre-qualified auto loan from his credit union or if he wants to

directly finance the car from the dealership. What should he do?

Finance the car directly with the dealership since they always have better interest

rates

Compare the two offers and choose the one through which he'd pay the least amount

of money overall

Finance the car with the credit union - since they're a local organization, they always

have the customers' best interests at heart

Compare the two offers and choose the one with the longest term so that he has

more time to pay it off